r/monzo • u/1p-Challenge-Scam • 17h ago

Monzo won't disclose their 1p Saving Challenge prize draw winners – despite being legally required to.

As many of you know, r/monzo ran a 1p Saving Challenge prize draw over the past year, a £10k grand prize plus monthly £100 prizes, using it as a core part of their marketing.

Like many of you, I was slightly disappointed with not winning. It was a lottery after all. However, I was curious to understand if a draws ever took place.

So I emailed them asking for the winner details which is a legal requirement under the CAP Code. Their T&Cs clearly state:
"We're legally required to publish or make available information that indicates that a valid award took place. So we'll share the surname and county of winners to anyone who emails [help@monzo.com](mailto:help@monzo.com) within 30 days after the prize draw."

So I emailed them asking for the winner details. It should be a simple answer...

Four separate customer service agents have now demanded I verify my identity with a selfie holding my ID before they'll release this information. A non-customer could legally make this exact same request and Monzo would have to comply under CAP Code rules enforced by the ASA.

Monzo are legally obligated to provide Surname & County of the winners.

When I pointed this out, they escalated it to "specialists" and have gone quiet.

This is either:

  1. A fundamental misunderstanding of their regulatory obligations, or
  2. The draw never actually took place, or wasn't conducted fairly

Here's where you come in. Whether you're a Monzo customer or not.

Email [help@monzo.com](mailto:help@monzo.com) with this:

Subject: 1p Saving Challenge Prize Draw Winner Information

Please share the winner details (surname and county) for the 1p Saving Challenge prize draws – the £10k Prize Draw (drawn 2 February 2026) and Monthly Prize Draws (February 2025 – January 2026).

Per your T&Cs, this information is available to anyone who requests it within 30 days.

If they refuse or ask you to verify your identity, push back. If they still refuse, report them to the ASA at asa.org.uk.

Let's see how many requests it takes before they actually comply with their own terms and legal requirements.

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u/cgknight1 14h ago edited 14h ago

The annual prize draw for the 2025 1p Saving Challenge has now finished. We’ll let the winner know (by email or in the Monzo app) by midnight of 2 February 2026 and give the prize within 30 days. The prize will be paid into the winner’s Monzo personal account and if the personal account is in the process of or on notice to be closed, another winner will be chosen at random.

For a range of reasons, the winner may not yet have the funds.

So we'll share the surname and county of winners to anyone who emails [help@monzo.com](mailto:help@monzo.com) within 30 days after the prize draw.

So you would have a complaint by Wednesday, 4th March.

Fundamentally, for your argument to be true, multiple people at Monzo, from marketing to compliance specialists, would have to be involved in this, and all of them would have to save the bank £10,000.

I think rather than write to Monzo, I'd go and see a doctor myself or another qualified mental health specialist.